一人公司到底需要几个企业银行账户？（我只用 2 个）

How many business bank accounts does a solopreneur actually need? Two, three, or even five?

When we're building a profitable one-person business, managing our money shouldn't become another full-time job. While popular strategies like Profit First recommend multiple bank accounts, a simpler approach might work just as well.

In this episode of Solopreneur Life, we're exploring five checkpoints to help us determine how many business bank accounts we really need. We'll look at how to separate business and personal finances, build a business emergency fund, create a monthly budget, and decide when additional accounts make sense.

We'll also share how Hill Media manages hundreds of thousands of dollars in annual revenue using just two business bank accounts, one checking and one savings, along with budgeting tools like Monarch Money and QuickBooks.

Whether we're just starting our solopreneur journey or looking to simplify an established business, we'll discover how to create a financial system that supports profitability, reduces stress, and helps us work toward a 20–25 hour workweek.

Because the goal isn't to have the most bank accounts. It's to build a business that supports our life, not the other way around.

Resources:

One-on-One Solopreneur Coaching:
https://marriagekidsandmoney.com/solopreneurcoaching

Own Your Time (Book):
https://marriagekidsandmoney.com/book

Leave a Voicemail for the Show:
https://marriagekidsandmoney.com/voicemail

Live Oak Bank (Business Emergency Fund):
https://marriagekidsandmoney.com/liveoakbank

Monarch Money (Business Budgeting):
https://marriagekidsandmoney.com/monarchmoney

Credits:

Host: Andy Hill
Editor: Johnny Sohl
Podcast Support: Michelle Ahmed